Oklahoma Auto Insurance Minimums, Laws and Requirements

Each state requires registered drivers to carry a certain amount of Minimum Liability Coverage auto insurance.

Oklahoma mandates all drivers in a household to be covered by liability insurance and have proof of insurance in the vehicle with them at all times.

Anyone caught driving without insurance faces a possible $250 fine an up to 30 days imprisonment. It is also possible a driver’s license and vehicle will be suspended.

Oklahoma Minimum Liability Coverage
Each state sets its own minimum liability amounts. In Oklahoma they are as follows:

Bodily Injury for One Person: $25,000

Bodily Injury for All Injuries: $50,000

Property Damage: $25,000

Oklahoma Uninsured/Underinsured Motorist Coverage
Some states require drivers to carry Uninsured/Underinsured (UM/UIM) motorist coverage. This protects a driver in case they are involved in an accident and the other person is not adequately covered by an auto insurance policy.

Oklahoma does not require this coverage but recommends carrying it.

No Fault Insurance
In Oklahoma, you are not required to carry no-fault insurance. Oklahoma is a Tort state meaning that the driver at fault must pay a victim’s medical expenses. Further, the victim can also pursue compensation for additional lost wages as well as pain and suffering.